I'm asking this on here because they're about as much use a chocolate fireguard if all you want is a straight, sensible answer.
My Pan Euro be hit while parked in Edinburgh and knocked over. This be a straighforward third party claim on my part. I wasn't involved as I be nowhere nearby at the time. The cops were present so adjectives insurance details were exchanged.
The repair estimate came to three and a partially thousand, which wrote it off as the insurance will do that if repairs are more than two thirds of the insured cost (I insured for four and a half, which is what I salaried for the bike). That much I've accepted, although I don't much like it.
But when the settlement volunteer came through, it was for four thousand because they deduct the excess of five hundred.
Why, as this was a third party claim and no blame attaches to me, are they deduct anything? Because it feels very much resembling they are penalising me for parking my bike sensibly but where some idiot contained by a car could ram it. If you file a the claim with your own company, the deduction be probably your deductible.
You cannot file a "3rd party claim" lower than your own policy.
If filed under your own policy, They will subrogate the other haulier and attempt to collect the money back. If able to, your deductible will be reimbursed to you
If you file the claim with the advserse drivers's company, then you hold to call them and ask what the deduction be for.
simple answer.. because they are cunts!
whether you like it or its helpful or not is irrellevant, you cause a claim you pay the excess regardless of fault or blame. you want it vertebrae you deal with the third prties insurance..
anyway theres a splendid silver firestorm sitting near looking for a new home and irts no hassle to ride it from aberdeen to edinburgh
thats how insurance works when u make a claim
Answers: An 'Exess' is the first bit of a claim under a section of the policy for which the policyholder is responsible - as a cyclist you will enjoy an 'accidental damage excess' and a 'fire & appropriation excess' (usually the same amount).
Your insurance company has a contract to earnings for damage to your bike in 'excess' of the first amount. They hold honoured this - the excess is an 'uninsured loss' for which you, not they, are responsible.
Now then. The insurance company will claim the amount they paid out (lb4,000) from the other personality - who will seek his insurance company to 'indemnify him'. It is up to you to claim the uninsured amount (the excess) from the driver as well. Your policy may enjoy an 'uninsured loss recovery' section or you may have purchased this - or a 'officially recognized expenses insurance' policy separately. If so you should contact that company for assistance.
If you do not have such a policy then you should hold from your insurance company a note showing that the amount of lb500 has be deducted from the claims settlement. If so then you should distribute this note (keep a copy) to the third party's insurance company (in theory it should be to the third party), outline the circumstances, hold their client at failure and ask them to reimburse you the excess (I assume you have no other 'uninsured losses').
From the circumstances of the incident, I would expect minimal trouble - insurance companies have to treat customers relatively these days and pay claims promptly - see the FSA visitors` guide especially ICOBS for details.
thats how insurance works when u make a claim
here in usa iv intellectual to be happy when they pay anything..excluding a court fight i would take the money a forget it...sorry
This won't affect your no claims bonus as you have not claimed sour your insurance.
Sounds like you should take a right read through the documentation you recieved with your policy.I found this is it may be useful.
http://www.motorbikeinsurance.pokerandca...
You should not be responsible for the deductible. You need to speak to your insurance agent/broker and pursue the third party who requests to make you whole.
If you have made a claim on your own insurance you always hold an excess to pay for any claims
here in usa iv intellectual to be happy when they pay anything..excluding a court fight i would take the money a forget it...sorry
Sounds like you should take a right read through the documentation you recieved with your policy.I found this is it may be useful.
http://www.motorbikeinsurance.pokerandca...
simple answer.. because they are cunts!
whether you like it or its helpful or not is irrellevant, you cause a claim you pay the excess regardless of fault or blame. you want it vertebrae you deal with the third prties insurance..
anyway theres a splendid silver firestorm sitting near looking for a new home and irts no hassle to ride it from aberdeen to edinburgh
you are claiming off the other party as it be they that caused the accident. phone the citezan warning for more detailed info
You should not be responsible for the deductible. You need to speak to your insurance agent/broker and pursue the third party who requests to make you whole.
My Pan Euro be hit while parked in Edinburgh and knocked over. This be a straighforward third party claim on my part. I wasn't involved as I be nowhere nearby at the time. The cops were present so adjectives insurance details were exchanged.
The repair estimate came to three and a partially thousand, which wrote it off as the insurance will do that if repairs are more than two thirds of the insured cost (I insured for four and a half, which is what I salaried for the bike). That much I've accepted, although I don't much like it.
But when the settlement volunteer came through, it was for four thousand because they deduct the excess of five hundred.
Why, as this was a third party claim and no blame attaches to me, are they deduct anything? Because it feels very much resembling they are penalising me for parking my bike sensibly but where some idiot contained by a car could ram it. If you file a the claim with your own company, the deduction be probably your deductible.
You cannot file a "3rd party claim" lower than your own policy.
If filed under your own policy, They will subrogate the other haulier and attempt to collect the money back. If able to, your deductible will be reimbursed to you
If you file the claim with the advserse drivers's company, then you hold to call them and ask what the deduction be for.
simple answer.. because they are cunts!
whether you like it or its helpful or not is irrellevant, you cause a claim you pay the excess regardless of fault or blame. you want it vertebrae you deal with the third prties insurance..
anyway theres a splendid silver firestorm sitting near looking for a new home and irts no hassle to ride it from aberdeen to edinburgh
When you return with insurance on your...
thats how insurance works when u make a claim
Can you loose your license for not...
Answers: An 'Exess' is the first bit of a claim under a section of the policy for which the policyholder is responsible - as a cyclist you will enjoy an 'accidental damage excess' and a 'fire & appropriation excess' (usually the same amount).
Your insurance company has a contract to earnings for damage to your bike in 'excess' of the first amount. They hold honoured this - the excess is an 'uninsured loss' for which you, not they, are responsible.
Now then. The insurance company will claim the amount they paid out (lb4,000) from the other personality - who will seek his insurance company to 'indemnify him'. It is up to you to claim the uninsured amount (the excess) from the driver as well. Your policy may enjoy an 'uninsured loss recovery' section or you may have purchased this - or a 'officially recognized expenses insurance' policy separately. If so you should contact that company for assistance.
If you do not have such a policy then you should hold from your insurance company a note showing that the amount of lb500 has be deducted from the claims settlement. If so then you should distribute this note (keep a copy) to the third party's insurance company (in theory it should be to the third party), outline the circumstances, hold their client at failure and ask them to reimburse you the excess (I assume you have no other 'uninsured losses').
From the circumstances of the incident, I would expect minimal trouble - insurance companies have to treat customers relatively these days and pay claims promptly - see the FSA visitors` guide especially ICOBS for details.
thats how insurance works when u make a claim
What a raider can do beside my...
here in usa iv intellectual to be happy when they pay anything..excluding a court fight i would take the money a forget it...sorry
Need information on sports car insurance specifics?
Your insurance should hold dealt with it and claimed the total cost from the other party. Ask them why they are deducting the excess, if they don't give a sensible explanation change companies.This won't affect your no claims bonus as you have not claimed sour your insurance.
Sounds like you should take a right read through the documentation you recieved with your policy.I found this is it may be useful.
http://www.motorbikeinsurance.pokerandca...
Someone be driving my coup¨¦, and rearended...
You should not be responsible for the deductible. You need to speak to your insurance agent/broker and pursue the third party who requests to make you whole.
Does insurance increase beside the age of...
You should have claimed of the other party insurance.If you have made a claim on your own insurance you always hold an excess to pay for any claims
here in usa iv intellectual to be happy when they pay anything..excluding a court fight i would take the money a forget it...sorry
What are the law of driving next...
Sounds like you should take a right read through the documentation you recieved with your policy.I found this is it may be useful.
http://www.motorbikeinsurance.pokerandca...
My friend be caught driving in need...
When you pay envelope sports car insurance...
simple answer.. because they are cunts!
whether you like it or its helpful or not is irrellevant, you cause a claim you pay the excess regardless of fault or blame. you want it vertebrae you deal with the third prties insurance..
anyway theres a splendid silver firestorm sitting near looking for a new home and irts no hassle to ride it from aberdeen to edinburgh
Can i catch my license as soon...
your insurance company should not charge you the excess as it is not your insurance company you are claiming bad.you are claiming off the other party as it be they that caused the accident. phone the citezan warning for more detailed info
You should not be responsible for the deductible. You need to speak to your insurance agent/broker and pursue the third party who requests to make you whole.
Resolved Questions
- What happen if i fiction on my...
- I be within a motor quirk beside...
- Are you better rotten not reporting a...
- Can I obtain more money from the...
- How does a creature gain coup¨¦ insurance...
- Just salaried surcharges bad for drivers license....
- If I lift a preventative driving course,...
- Is 6 months to long to wallet...
- Can they appropriate my lincense for not...
- This shyt can't be right...?